RTO Partners V2.0

Using our rent-to-own system allows you to stop moving from one rental to another, stop being at the mercy of landlords, put down permanent roots and invest in yourself.

Call 416 613 8098


Our Ontario Rent To Own Home Program
(Also available in other provinces)
You will be leasing a home for 2 – 4 years, during which you accumulate a down payment of between 5% and 15% of the home’s value. At that point, you should be qualified to get your own mortgage and purchase the property.

What is Rent to Own?

The process works similar to leasing a car. Our program offers families that have a small down payment and/or poor credit a chance to move into their dream home today without having to qualify for a mortgage. In addition, a portion of your monthly rent goes towards the purchase of the home. Our program helps you save thousands of dollars in a multi-year lease that automatically builds your down payment. It’s that simple.

Getting Approved

If you are a renter who is tired of paying another person’s mortgage and want to own your own home, the option called “Rent to own” (RTO) or “Lease To Buy” is a means of acquiring ownership over time without taking on debt now.

Please DO NOT hire a realtor to help you shop for a rent-to-own house, as they may not know what our investors’ criteria are for choosing investment properties (plus, their buyers agreement with you will be irrelevant because an investor, not you, will actually be purchasing the home for you to lease).

Visiting this site because you are facing foreclosure and need help FAST to stay in your home? Click here.

Most people are still unaware of RTO housing and believe that there is only one way to become a home owner – getting a conventional mortgage through a bank or an agent. The common issue many people experience, especially in Canada, is the strict criteria used to determine who will get a loan and who only has the option to rent.

Have you been turned down for a mortgage because you …

 - Lack the down payment that the bank wants?
 - Have credit issues as a result of bankruptcy, divorce, job loss or health issues?
 - Have good income but have no credit history or are self-employed?

We make it easier for you and your family to be qualified and get into a home fast. Once you are approved and moved into your home, we continue to help you along the way in becoming a home owner.

How Do RTO Down Payments Work?

With most Rent to Own contracts, you will pay the owner an up-front “option” deposit (your option to buy the house), also known as a “down payment” (although that's not actually what it is). 

This money is your vested interest in the home and will be fully (100%) credited to you when you get a mortgage to buy the home, usually 3 years after you move in.

Some More Benefits …

1. Minimum Cash Out of Pocket: When you purchase a home conventionally, you must pay at least 5% (up to 20%) down plus closing costs.

2. Profits from Appreciation: Since the sales price is locked in before closing (as specified in your agreement), any increase in property value above the agreed purchase pricing is “bonus” home equity for you.

3. Credit Problems are Okay: Qualification restrictions simply do not exist. You will be approved at the sole discretion of RTO Partners.

4. Clean up your credit issues: By re-establishing your credit with our mortgage specialist you will attain a lower interest rate at the end of the term.

5. No Lengthy Mortgage Approvals: Your approval will be based solely at the discretion of the seller instead of a lender who can take up to a month (or longer) to render a decision (which is very often a “No”).

6. No Taxes, Less Liability: Since you do not own the home (yet), you will not have to pay property taxes and your liability exposure will be dramatically reduced.

7. Maximum Leverage: You are spending very little money to control a very expensive, and potentially profitable, piece of real estate.

8. Flexibility: You get to purchase the home anytime during your agreed upon term.

9. Know your Purchase Price: Knowing what your purchase price is provides transparency and a benchmark for all of your credit needs to successfully secure a mortgage on your home.

10. No rent increases for 3 years: If you are a renter, your landlord usually raises the rent each year. The rise in rental amount can be anywhere from $25 to hundreds of dollars, depending on your area.

11. Free property Inspection: We ensure the property is professionally inspected prior to you moving in.

12. Forced savings: Our program allows you to save money from a portion of your rent while you sleep in your home. This planning makes saving for your home possible and easy.
Apply to move into the home of your dreams today, even with bad credit

Personal Benefits

1. Control of the Home: You will be put in full legal control of the home for a specified period of time without actually having to own it.

2. Quick Move in Time: You may be able to take possession of the home in less than two months.

3. Time: Before you actually buy the home, you will have 36 months to repair your credit, learn what you need to do to qualify for a mortgage, and get settled in the neighbourhood (and schools etc.). For some rent to own arrangements (depending on the property owner), you can extend your lease by anywhere from 1 year to multiple years if you need more time to qualify for a mortgage.

4. Minimal Maintenance: Any maintenance problems that exceed a certain amount of money are delegated to the seller.

5. Choose your home: If you’re interested in choosing your own home, let us know so we can help. We will advise you on the proper locations and features to look for.

6. Customize your living space: Feel free to add a patio in the backyard, finish your basement, paint etc.

7. Freedom of choice: We are obligated by law to sell you the property, however, the choice is yours in the end.

8. No surprises or fine print: Everything is explained up front and there is no hidden cost. We urge you to have your own trusted real estate expert or lawyer look everything over.

9. Do your laundry in your own house: Most apartments and some rental houses don’t have washing machine and dryer in the unit or home. Just think of the extra time you save by doing your laundry in your own house.

10. Create a more stable life for your kids: Each year you live in your house, you are creating roots to your community. Your kids will grow up with the same friends at school and you will eventually know many other people in the town as well.
A Little History ...
We started this little business in 2011.

Since then, home prices (not home values) have pretty much doubled across Ontario and everywhere else.

You need to know this before you consider a rent-to-own application as your path to home ownership.

To provide both the investor and the future homeowner a high chance of success, we have always required that the applicant have a family gross income of at least 25% of the house's current value (in fact, usually 30% or more) and make a "non-refundable purchase deposit" (because it is not technically a down payment) of 3% - 5%. 

Which means that in 2011 you would have needed a $10,000 down payment to rent-to-own a $300,000 home, and most investors would require you to have a family gross income of $75,000 to $90,000+.

In 2019, that same house is now priced at $600,000 and you need a down payment of $20,000 and income of over $150,000 to enter a rent to own arrangement.
Privacy Policy
This Privacy Policy governs the manner in which RTO Partners collects, uses, maintains and discloses information collected from users (each, a “User”) of the http://rtopartners.ca website (“Site”). This privacy policy applies to the Site and all products and services offered by RTO Partners.
This website uses Google AdWords.
This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the rtopartners.ca or downpaymentloan.ca or theautomaticagent.com website. Of course, any data collected will be used in accordance with the other components of our privacy policy as well as Google’s privacy policy.
Personal identification information
We may collect personal identification information from Users in a variety of ways in connection with activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities and receiving services from RTOP.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web browser cookies
Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How we use collected information
RTO Partners collects and uses Users personal information for the following purposes:
– To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
– To provide products or services related to the stated interests of the User, directly through RTO Partners or one of its immediate business partners
– To improve our Site
We continually strive to improve our website offerings based on the information and feedback we receive from you.
– To improve customer service
Your information helps us to more effectively respond to your customer service requests and support needs.
– To process transactions
We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
– To administer a contest, promotion, survey or other Site feature
To send Users information they agreed to receive about topics we think will be of interest to them.
– To send periodic emails
The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sharing your personal information
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
In some cases we may wish to introduce a new product or service to Users from outside parties – this will happen only when the product or service is a specifically stated interest of the User. When this is the case we will provide a notice to those Users via email 48 hours or more before the outside party contacts each User.
Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
Compliance with children’s online privacy protection act
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.
Changes to this privacy policy
RTO Partners has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
RTO Partners
435 Spillsbury Drive, Peterborough, ON
This document was last updated on February 4, 2015.
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Terms And Conditions and Disclaimer - Your Use Of This Site
Please Note: RTO Partners are not licensed real estate agents, mortgage agents, lenders, lawyers or credit counsellors. We have established a team of dependable and creative professionals that we rely on to provide the services you need on your way to home ownership, and we co-ordinate their efforts on your behalf.
RTO Partners and its subsidiaries, downpaymentloans.ca and dontloseyourhome.ca, are marketing and information services only and are not acting as a broker or agent for any person or property. Anyone interested in any financial solution or the purchase or sale of any property should contact one of our affiliated companies (or one of your own choice) who are professionally licensed to provide credit, real estate or legal services. Information within this web site is deemed reliable and accurate but is not guaranteed to be so.
The information provide by and contained in the rtopartners.ca website is made available for viewing for information purposes only. No information on site is financial advice or a property listing nor constitutes an offer to sell/lease.
RTOpartners.ca and its affiliates make no claims as to the accuracy of information on its site and does not warrant, guarantee, verify the accuracy or source or make any representation of the information submitted and contained on our website. It is the responsibility of anyone or any entity using the information contained in this website to independently confirm its accuracy and determine the suitability of the information for their needs.
Neither RTO Partners, nor any of its employees, owners or management, are licensed realtors, lawyers, mortgage brokers or credit counselors. As part of our FREE services to our clients, you can choose professionals yourself, or use the licensed realtors, brokers, lawyers and other professionals that have partnering relationships with RTO Partners.
Lawyers we work with and/or recommend are licensed by the Law Society Of Upper Canada and/or the Ontario Bar Association (oba.org). Lawyers outside of Ontario will be licensed by province. As we expand in 2014, non-Ontario provincial associations will appear here. We recommend to all rent to own clients that they hire a lawyer of their own choice, to review their rent to own contracts.
Realtors we work with, and assign to our clients’ needs, are licensed by the Ontario Real Estate Association (OREA), and outside Ontario they will be licensed provincially. Furthermore, Ontario realtors are held responsible by real estate boards in different cities or regions. As we expand in 2014, non-Ontario provincial associations will appear here.
Mortgage brokers (lender representatives) we work with are licensed by Ontario Financial Services Commission – see www.fsco.gov.on.ca/en/mortgage‎. Outside Ontario, provincial equivalents apply. As we expand in 2014, non-Ontario provincial associations will appear here.
We do not directly bill our home-buying or credit-repair clients, any fee. We are compensated by the professionals that we partner with (see above) to achieve clients’ objectives. Should our policy on this change, you will be notified prior to us providing you any service.
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